It is important for every person to save for one’s retirement as one can expect to live for twenty years after one retires as life expectancy of an Indian is going up steadily due to lower infant mortality and better medical care. There is a complete absence of social security safety net for most Indians today, even for those working in Government sector, there is no inflation adjusted pension available anymore. I have tried to simplify the advantages and disadvantages involved in investing your savings in various asset classes. I have deliberately left out two of the most popular forms of investment among middle class Indians 1) Life insurance 2) Real estate Let us consider life insurance first most of us confuse insurance as an instrument of savings, it is not. We have this wrong view because of the tax breaks given to income tax assesses by the Central Government. Insurance is a product that mitigates risk and is sold by the rich to the middle class and is always skewed in the favour of the insurer rather than the insured. A substantial portion of the total money invested by you goes towards paying agent’s commission and premium for insuring you for the risk of mortality. The balance left out is invested in government securities and other securities. Hence the amount of money invested out of the total premium paid is less than half paid by the insurer. The return on money invested by the policy holder is less than half of the money he would have earned either in bonds or fixed deposits. A person who needs insurance is a person whose family will need support in the event of his untimely death. Alternately insurance is required for a person who has debt in form of mortgage and does not want to burden his family in the event of his passing. The product which covers these risks is called term insurance. One should not buy insurance to avoid taxes as there is better tax saving tools available. Real estate is also considered as a good investment by several retail investors but nothing can be further from the truth. Nobody makes money by buying plots in the middle of nowhere. The easy availability of mortgages from the nineties and the tax breaks given by the Central Government on housing loans has created an unparalleled boom in the residential market. There is now a painful correction process under way in that sector. The price of land is reflexively connected to availability of money. The lower the cost of money, greater the returns in real estate. Buying plots in the middle of nowhere is similar to buying lottery tickets as investment. Land cannot be liquidated immediately into cash at a short notice to meet urgent requirements. Cost of maintenance and protection of real estate from illegal occupation is prohibitive and time consuming. Verification of title deeds to the property is a complex process and needs sound legal advice. You should have a house to live and another to collect rent as rent is equivalent of inflation adjusted pension. The return on investment generated in the three different asset classes over 25 years would be in the following order 1) Equities 2) Gold and finally 3) Debt instruments. I enjoyed writing this book as a companion volume to my first book. It is my fond hope that you enjoy reading this book.

    Napoleon Hill have inspired millions of people in all parts of the world, and the principles Dr. Hill discovered are as practical today as when he had his first interview with Andrew Carnegie in 1908. Reading this book will inspire you to discover the great benefits from Hill's conversations with the great industrialist Andrew Carnegie, who came to the United States from Scotland and began working as a thirteen year old lad at wages of $1.20 per week. The success formula presented in The Wisdom of Andrew Carnegie as Told to Napoleon Hill will prove to you that Whatever the mind can CONCEIVE AND BELIEVE, the mind can ACHIEVE!

    This book helps readers take charge of the situation! In Acing the Interview, the employment expert Dr. Phil called “the best of the best” gives job seekers candid advice for answering even the most unexpected questions, including: You really don’t have as much experience as we would like—why should we hire you? • How many hours in your previous jobs did you have to work each week to get everything done? • What do you consider most valuable—a high salary, job recognition, or advancement? The book also arms readers with questions to ask prospective employers that could prevent their making a big job mistake: What would you say are the worst parts of this job? • What are the major problems facing the company and this department? • Why aren't you promoting from within? Taking readers through the entire process, from the initial interview to evaluating a job offer, and even into salary negotiation, Acing the Interview is a no-nonsense, take-no-prisoners guide to interview success.

    These small-format books take Tom Peters' key ideas from "Re-imagine! and revise and update them with Peters' latest ideas.

    

    1 CD

    Free goal-setting/visualization guide and affirmation audio track included with purchase. Would you like to know the shortcut to achieving success and extreme happiness? In this life-changing book, you will learn the methods and techniques for creating dramatic, permanent change in your life. It took me many years of suffering and then many years of self-education to figure out the secrets of success and happiness, and now I'm thrilled to present to you this book that covers many of the strategies that I use to this day to help me achieve greater success and maintain my happy and optimistic attitude. How to Achieve Success and Happiness: Increase your mind power, overcome negativity, achieve your goals, and live your dreams in record time In this book, you will learn how to systematically adjust your mindset in order to create rapid change in your life and dramatically increase your levels of happiness. You will discover the step by step approach for manifesting all your desires, and you will also learn the common roadblocks to success so that you may avoid making mistakes along the way and accelerate your progress. Topics covered include: Subconscious programming Cultivating self-awareness Autosuggestion Visualization techniques Blocks to Abundance Eliminating stress Eliminating negative influences Increasing energy It is certainly possible for you to achieve success and live your dreams, and you can achieve your goals in much less time than you might think. Success starts from within. I learned that the hard way after having my life crumble before my eyes. I had to rebuild myself from within. Only when I learned to be happy did I start to see worldly success, and this book will describe exactly how I did that. You don't have to take the long path to success like I did. You can take the shortcut and begin realizing your wildest dreams faster than you could imagine.

      This book will teach me how to train with my pain, push with my prayers and conquer what’s trying to conquer me.  SUMMARY: This book isn’t about winning pretty. Rather, it will show you how to punch through your pain, deliver a fatal blow to the enemy, possess all God has for you, and experience ferocious victory. The devil is striking from every side and it’s not because he wants to distract you or ruin your day—he wants to take you out! He’ll do anything to break you down. But you can flip the script and dismantle him instead!  When the enemy attacks, the fight gets ugly.  Your prayers and your faith have to get intense. You have to remove the makeup, take off the tie, and get down in the dirt of life to destroy the work of the devil.   In Ferocious Warrior, Cora Jakes Coleman shows you how to win. Sharing keys that helped her through personal battles with depression, insecurity, infertility, and loss, Cora offers strategies to help identify the tactics and agenda of the enemy, and the obstacles to your breakthrough.  Ferocious warriors don’t shrink back from the enemy—they go into his camp and take back everything he stole from them.   The book also reveals: How to use the weapons of warfare that are already at your disposal How to implement the five principles of prayer How to let your pain push you to your next level How to think like a warrior and win even the toughest fights  FEATURES AND BENEFITS: Prayers and affirmations to help readers activate their faith How to experience and maintain deliverance Guidance to develop the lifestyle of a warrior and sharpen the weapons that bring victory

    

    The concept of speaking to mountains and trees may not be religious metaphor, but laws of a new physics that have not been fully understood. Jesus taught that our words are powerful enough to move physical matter. Quantum physics has discovered that subatomic particles respond to the observer. In this book, you will discover that your words and your faith (beliefs) are unseen forces that affect everything in your world. You are the one giving substance to your world through words!

    29 Leadership Secrets from Jack Welch follows in Welch's footsteps, boiling the legendary CEO's leadership successes down to 29 strategies that made GE the world's most competitive company­­and Welch the world's most successful and admired CEO.This all-in-one Welch reference updates material from Robert Slater's bestselling Get Better or Get Beaten, and is today's ultimate fast-paced, no-nonsense handbook on the ways of Jack Welch. It taps into the heart of Welch's courage, innovation, and leadership success by examining simple leadership secrets that include:Managing less is managing betterMake quality the job of every employeeHave global brains and vision

    

    What if you could convert everyday struggles, big and small, into the kind of fuel that spurs you past everyday normality to everyday greatness? This book is built upon a simple but powerful promise: anyone can use the ingredients of adversity to elevate one's business and life. Dr. Paul G. Stoltz is the world's leading expert on adversity-related research, theory, and applications. Erik Weihenmayer—a world-class mountain climber who happens to be blind—is Stoltz's Adversity Advantage personified. Their dream-team combination of wisdom and experience adds up to an application-packed program that shows listeners how to: —Rewire core response mechanisms to respond optimally to anything that happens the moment it strikes. —Move past coping with and managing adversity to harnessing adversity. —Pinpoint and grow Adversity Strengths—bring out the best under pressure.The Adversity Advantage blends proven leadership techniques with real-world anecdotes for a seven-step path to success.

    In the Kingdom of God, it is an inferior substitute for working by the supernatural power of God's grace. The purpose of Grace Over Grind is to challenge you, shift your thinking, and transform the way that you work so that you can glorify God and experience immeasurably more than you could ask or imagine in your business. With the same relatable teaching style and storytelling used in The Kingdom Driven Entrepreneur: Doing Business God's Way and Encountering God: A Devotional of the Kingdom Driven Entrepreneur, Shae Bynes provides scripture, testimonies, and application exercises to help you on your journey to receive God's best and have a greater Kingdom impact in your sphere of influence.

    Whether you were maturely young or immaturely old or a little bit of both, this book was written for you to understand that it is never too soon or too late to start your journey towards success.This is for the child you once were - when you believed everything was possible and nothing was out of reach; may this book be a leading factor in that child's rebirth.